A study of drivers in the nation's cities has found residents of Sioux Falls, S.D., have the lowest accident rate, while inhabitants of Newark, N.J., are the most crash-prone, according to the second-annual "Allstate America's Best Drivers Report."

But whether a driver lives in a city rated safe or unsafe by the study, it will have no readily discernable impact on rates paid, according to Allstate spokesman Mike Siemienas.

"There are a great many factors that go into setting rates, and where you live is one of them," he explained.

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